《放债人条例》就若干罪行，例如无牌经营放债业务，订定严厉的刑罚。
The ordinance provides severe penalties for offences such as carrying on an unlicensed money-lending business.
卡西迪说，“贷款一发放债权就卖”的业务模式鼓励了草率放贷，引发了当前的抵押贷款危机。
The originate-and-sell business model 'encouraged reckless lending' that triggered the current mortgage morass, Mr. Cassidy said.
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